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DSCR Loan
Debt Service Coverage Ratio
Perfect for buy-and-hold investors. No personal income required — lender qualifies based on property cash flow alone.
- No income docs required
- Min credit score: 620
- LTV up to 80%
- Rates: 7.5–9.5% (2024)
- Ideal for: rental properties, multi-family
Best For: Buy & Hold, Long-Term Rentals
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Hard Money Loan
Fix & Flip Fast Financing
Short-term bridge loans from private lenders. Fast closing (5–10 days). Great for fix-and-flip or when speed matters.
- Close in 5–14 days
- LTV up to 75% of ARV
- Rates: 10–14%
- Term: 6–18 months
- Points: 2–4 at origination
Best For: Fix & Flip, Quick Acquisitions
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USDA Farm LoanElite
Agricultural Land Financing
USDA FSA loans for agricultural land, farmland, and crop operations. Subsidized rates for qualifying investors.
- Rates as low as 3.75% (subsidized)
- Up to 100% financing on some programs
- For farmland, orchards, livestock operations
- Qualifies: US citizens, farming experience
- Term: Up to 40 years
Best For: Agriculture, Land Investing (Elite)
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FHA 203(k) Loan
Renovation + Purchase Combined
Buy and renovate with a single loan. Great for house hackers or entry-level investors buying distressed homes.
- Down payment: 3.5%
- Covers purchase + renovation costs
- Min credit score: 580
- Loan limit based on county median
- Owner-occupant required (1 year)
Best For: House Hackers, First Investment
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Fannie Mae / Freddie Mac
Conventional Investment Loan
Traditional conventional financing for 1–4 unit investment properties. Best rates for creditworthy investors.
- Down payment: 20–25%
- Rates: Prime + 0.5–0.75%
- Max 10 financed properties
- Credit score 720+ for best rates
- LTV up to 75% for investment
Best For: Experienced Investors, Multi-Property
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International Investment LoanElite
Cross-Border Financing
Specialized financing for US investors purchasing in LATAM markets (Venezuela, Colombia, Panama, Brazil). Often cash or local-market deals.
- LLC or trust structure required
- Cash purchases dominant in Venezuela
- US lenders rarely cross-border fund
- Consider: SBLOC against US portfolio
- Currency risk management essential
Best For: International Deals, LATAM (Elite)
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Portfolio Loan
Blanket Multi-Property Loan
One loan covering multiple investment properties. Simplifies management and unlocks equity across your portfolio.
- No property count limit
- Rates: 7–10%
- LTV up to 70%
- Non-recourse options available
- Asset-based underwriting
Best For: Scaling Investors, 5+ Properties
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Subject-To Financing
Take Over Seller's Mortgage
Purchase property 'subject-to' the existing mortgage. Seller stays on loan; you make payments. Great for low/no money down.
- No bank qualifying needed
- Take over seller's rate (could be very low)
- No closing costs typical
- Legal risk: due-on-sale clause
- Requires seller cooperation
Best For: Creative Finance, No Money Down